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888.727.9287
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Strengthen your liability protection
Commercial Umbrella and Excess Liability Insurance provides additional protection above underlying policy limits, helping safeguard your business from costly claims and lawsuits.
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Standard coverages & limits
Every Commercial Excess and Umbrella Liability policy is rooted in the same principle: protection that steps in when serious liability risks exceed underlying policy limits.
Every Commercial Excess and Umbrella Liability policy is rooted in the same principle: protection that steps in when serious liability risks exceed underlying policy limits.
Up to $25,000,000
Each Occurrence
Up to $25,000,000
General Aggregate
Annual premiums start from $1,000. Higher limits are available depending on risk profile.
Common endorsements & optional coverages
Standard Commercial Umbrella and Excess Liability policies provide additional protection, while endorsements help extend, customize, or adjust coverage to match your business’s specific liability risks.
Standard Commercial Umbrella and Excess Liability policies provide additional protection, while endorsements help extend, customize, or adjust coverage to match your business’s specific liability risks.
Waiver of subrogation
Waives the insurer’s right to recover claim payments from specified third parties after a covered loss.
Additional insured extensions
Extends excess liability protection to a third party, subject to policy terms, conditions, and limits.
Primary & non-contributory wording
Requires the excess policy to respond first without seeking contribution from other applicable insurance.
Worldwide coverage
May extend protection to qualifying claims occurring outside the primary policy territory.
Drop down coverage
Some umbrella policies may respond when underlying insurance does not cover a loss, subject to exclusions and a self-insured retention.
Defense cost protection
May help protect liability limits from being reduced by legal defense expenses, depending on policy terms.
How pricing works
Premiums vary by business type, risk level, and coverage details—not a flat rate.
Industry and business operations
Higher-risk industries and hazardous operations increase premiums due to greater liability exposure and severity.
Underlying liability limits
Higher underlying liability limits generally increase umbrella premiums by reducing insurer exposure to frequent, lower-level claims.
Claims history
Past claims signal future risk, often raising premiums for properties with frequent losses.
Coverage limits
Higher liability limits and lower deductibles increase your policy's overall annual premium cost.
Deductibles, self-insured retentions, and exclusions
Higher retentions and broader exclusions reduce premiums, while lower retentions and broader coverage increase costs.
Products and completed operations exposure
Sprinklers and alarm systems can reduce premiums by detecting hazards early and limiting fire, theft, and property damage.
Who needs Commercial Umbrella / Excess insurance?
Most businesses with customer, vendor, or public-facing operations.
Businesses that sign contracts requiring General Liability coverage.
Businesses that want protection against third-party bodily injury, property damage, and personal/advertising injury claims.
Contractors and construction companies.
Higher deductibles may lower premiums, while significant products and completed operations exposures typically increase pricing.
Compare quotes from multiple carriers.
How it works
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Complete the Form
Answer a few quick questions about your needs - takes less than 2 minutes
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Receive Multiple Quotes
Instantly compare free, no obligation offers from trusted providers.
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Obtain Your Coverage
Choose the plan that fits and get protected the same day.
                Coverage starts immediately

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Western United Commercial Insurance Services  CA DOI License # 0D69147
1908 South El Camino Real, San Clemente, CA 92672
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